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What is Burial Insurance? Burial insurance, also known as final expens...rt of risk management practices. Can burial insurance be used for non-funeral ...

...licy designed to pay for funeral, burial, cremation, and related services befo... level of services selected (casket, burial vs. cremation) Local funeral hom...

... who want a dedicated reserve for burial costs, memorial services, or unpaid m...rs are not responsible for immediate burial expenses. Frequently Asked Questi...

...al home — have access to cash for burial, cremation, memorial services, and re...ypically cover: Basic funeral and burial or cremation costs Funeral home ...

Sinclair-Dwyer is your trusted source for placing hard-to-place and unique commercial property and casualty risks in California. As a California-based MGA and Surplus Lines brokerage, we specialize in providing access to Century Surety Insurance, a leading non-admitted Surplus Lines carrier known for insuring niche markets since 1978. Target Classes and Market Appetite We offer a broad appetite for main street businesses and specialty risks that often fall outside the parameters of admitted markets. Our program is ideal for agents and brokers looking to place business for clients in challenging or non-standard industries. Classes of business we target include, but are not limited to: Apartments Auto Dismantlers Bakeries Barber Shops and Beauty Salons Bars and Taverns Bazaars Bed and Breakfasts Billiard and Pool Halls Bingo Halls Car Washes Condominiums Convenience Stores (with or without gas) Day Care Centers Garage Liability Health Clubs Homeowners Associations Hotels Hunting Clubs Janitorial Services (excluding handyman work) Laundromats Nightclubs Pawnshops Recycling Centers Resorts Restaurants Retail Stores Security Guards Strip Centers Tanning Salons Vacant Land Video Stores Mini Warehouses Coverage Features and Risk Solutions Whether you're working with a neighborhood salon or a nightclub, Sinclair-Dwyer can help you secure the right coverage through Century Surety Insurance. Our program addresses exposures for property, general liability, and specialized risks unique to these industries. We are especially effective at handling accounts with prior claims, unique operations, or higher inherent risk profiles. Example scenarios include: A restaurant with live entertainment and liquor sales needing general liability and property coverage. A mini-warehouse facility seeking insurance despite limited occupancy or older construction. Underwriting Considerations This is a non-admitted program underwritten through Century Surety Insurance, giving us greater flexibility when addressing risks that fall outside standard markets. While minimum premiums may apply depending on class and exposure, we aim to offer competitive pricing for qualified accounts. We review each submission thoroughly and can assist with unusual or hard-to-place exposures. Availability Our California MGA and Surplus Lines Brokerage program is available exclusively in the state of California. Agents and brokers licensed in California can access this market through Sinclair-Dwyer to meet the needs of their diverse commercial clientele. Why Work With Sinclair-Dwyer? With deep expertise in California’s non-admitted insurance market, Sinclair-Dwyer delivers responsive service, flexible underwriting, and knowledgeable support for agents and brokers. We help you secure coverage for your clients when standard markets can’t respond—giving you a competitive edge with access to Century Surety Insurance's strong appetite for specialty risks. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for main street and specialty businesses in California, including bars, restaurants, salons, daycares, pawnshops, and more that may not qualify for admitted markets. Is this program available outside of California?No, this program is currently only available for risks located in California. What lines of coverage are typically offered?Coverage options typically include commercial property, general liability, and industry-specific enhancements depending on the risk class. Can you write risks with prior claims?Yes, we can consider risks with prior losses. Each submission is reviewed individually to assess insurability and pricing. Who is the carrier for this program?The program is written through Century Surety Insurance, a non-admitted Surplus Lines carrier with a long history of insuring niche markets. Need help placing an account? Connect with a market specialist.